Pages

Thursday, December 31, 2015

An Uncontested Divorce is a legal procedure in which the spouses
mutually agree on certain terms and conditions, in order to adjourn
their marriage. An uncontested divorce can be executed successfully if
the spouses comply to a shared agreement in the matters related to the
property partition, financial matters, any kind of support activities
related to their children, and other litigious affairs.

A major
benefit of consenting with an uncontested divorce is that unlike
contested divorce, it doesn't have to deal with emotional and financial
issues, is relatively inexpensive and quick, since most of the times the
spouses may not find any need of an attorney or a court case for the
divorce, if they are in good terms with each other, and plan to go with
proper understanding. This is quite helpful essentially when the couple
has much less assets to deal with and no children.

There are many
"Do it yourself" forms available at concerned regulatory agencies, which
can assist you in going ahead with the uncontested divorce activity
yourself, without the need of any outside legal authority or
attorney.But, in case of the issues for child support or the partition
of community property, one must follow up with attorney related to
divorce, before they proceed with signing off any legal documents.

Divorce
is a quite tedious and sometimes displeasing procedure.Despite having
mutual consent on many of the terms, there still exist loads of matters
that need to be taken care of, before ending up the marriage. The couple
needs to be capable enough to distinguish these issues and resolve them
as soon as they can. To decide whether it is appropriate for a couple
to go ahead with an uncontested divorce rather than a contested one,
there are certain points that can be used as reference:

1) Are both the spouses agreeing to go for a divorce, or one of them still wants to re-establish the relationship?

2)
Are all the financial issues, modes of income and other related assets
properly understood by both the spouses, so that they can divide and
decide on them accordingly?

3) In case, there are children, are
all the issues regarding the child care and support,custody, periodic
meetings and visits decided yet?

4) Are all the issues getting settled with mutual consent, and are devoid of any hard feelings?

5)
Are both the partners in accord with the honesty or authenticity of the
other partner's notions,regarding the resolution of these issues?

If either of the above mentioned questions, has an answer as "yes", then it is appropriate to go for an uncontested divorce.

Uncontested
divorce can be carried on easily and without much hassles, but they can
be derogatory to certain individuals in case the people involved in the
divorce, do not know much about their appropriate rights with respect
to the alimony amount, partition of pension, earnings from real estate,
and other modes of income.

Hence, it is always advisable to
consult an attorney or other legal authorities related to divorce, even
while going on with the uncontested divorce, where you and your partner
mutually agree to all the terms.

Wednesday, December 30, 2015

Rental property owners are entrepreneurs. And as entrepreneurs,
their primary goal is to maximize profit. One of the most basic steps in
maximizing profit is to minimize costs and other liabilities. Recently,
the up and coming trend of protecting one's personal assets from the
liabilities of a rental business is to set up an LLC over the rental
properties. With this LLC, the rental property owner's personal
property, like home, car and other assets, are protected from the
unpredictable demands of owning rental property. There are also other
benefits of an LLC for rental property owners.

Personal property protection

First
of, what is an LLC? LLC stands for Limited Liability Company. Without
the LLC, business owners are liable for damages and other losses from
their business even with their own personal assets.

To illustrate,
a sole-proprietor will have to pay for anything and everything that
deals with his business out of his own pockets. He can never interpose
that his business is bankrupt when he still maintains a personal bank
account, his own car and his own home. His personal assets will have to
answer for the deficiency. Corporate shareholders do not have this
problem because they are protected by the law on corporations that
shareholders are only liable for losses out of their corporate shares,
hence, their personal property is protected and remains untouched by any
corporate liability. The downside of forming a corporation though is
that the process itself is meticulous and profits will have to be shared
with a handful of shareholders.

LLC combines the ease of being a
sole-proprietor with the potential of earning huge profits all by
yourself and the protection to personal assets that corporations offer.
Personal property protection is the most basic and primary of the
benefits of an LLC for rental property owners.

Tax advantages

Another
of the benefits of an LLC for rental property owners is the tax
advantages. Has even better tax treatment than when in a corporation. A
corporate shareholder in essence will have to pay taxes twice. First,
when the corporation itself pays its taxes, and second when the
shareholder has to pay his own tax from the income derived from the
corporation. An LLC is not taxed as a separate entity. The property
owner will only have to pay his taxes once, upon his receipt of the
income from the rental property. Also, the net loss in the LLC can be
declared as a personal deduction for the property owner!

Be a professional by name

Real
estate laws require one to spend a certain number of hours in real
estate activities to be called as professionals in the real estate
industry. But being in an LLC, these requirements are cut in as much as
half!

An LLC may be obtained for separate properties

Another
of the great benefits of an LLC for rental property owners is that a
different or separate LLC may be obtained for each and every property.
Why is this beneficial? Because when an investment is sued covered by an
LLC, all the properties belonging to that LLC will stand liable for the
suit. Covering separate properties with separate LLCs will only make
the specific property or investment liable for the claim it is sued for.

These
are only the basic benefits of an LLC for rental property owners. And
these are already enough to convince any serious business-minded
property owner, what would a more detailed study of the benefits do?
Start protecting your own personal property and increasing your profits
all in the same time. Get an LLC now!

North New England [http://northnewenglandhomes.com/] Homes Blog and North New England Homes
can offer you a whole deal of information about the real estate market.
Whether you want to sell your house, buy a property or rent one,
getting all the information that you need will give you a great
advantage.

Tuesday, December 29, 2015

Wills and Living Wills are key parts of any good estate plan.
However, though the two sound similar they serve very different
purposes. A Living Will states your choices for the kind of medical care
you want to receive if you become sick or injured and are unable to
talk. A Last Will and Testament, often referred to as just a Will, deals
with your property and how you want it distributed if you should die.
Therefore, a will is only effective after you die and a living will is
only effective before you die and when you incapacitated.

Advance Directive vs Advanced Directive

A Living Will is a type of advance directive. All advance directives
are documents a person creates that state what his or her choices are
in the event he or she becomes incapacitated or otherwise unable to
communicate with other people. Advance directives, such as Living Wills
or health care powers of attorney, typically address financial or
medical situations and can state specific choices as well as nominate
someone else to make decisions on the incapacitated person's behalf.

These
documents are referred to as "advance" directives because you make them
in advance or in preparation for the possibility that you become
incapacitated. Some people mistakenly use the term "advanced" directive,
implying that the documents are somehow more complicated or important
than others. This is not true, and anyone can make advance directives
fairly easily as long as they ensure the documents comply with state
law.

Probate Estate vs Trust Estate vs Taxable Estate

An estate is a general term used to describe an area or amount of
property. It is sometimes used when referring to assets that are part of
the probate estate at someone's death, or assets that are not payable
to another person at the owner's death or not part of a trust estate. If
an asset is part of a trust estate, then generally the asset will not
be part of the probate estate. Further, when considering the taxable
estate of an individual for estate tax purposes the IRS will consider
the gross estate of the decedent to include the value at the time of his
death of all property, real or personal, tangible or intangible,
wherever situated. If property is part of a trust estate, it may or may
not be part of the gross estate for federal estate tax purposes
depending on certain facts about the trust.

Medicare vs Medicaid

Medicare is a federal program attached to Social Security. It is
available to all U.S. citizens 65 years of age or older and it also
covers people with certain disabilities. It is available regardless of
income.
Medicaid is a joint federal and state program that helps
low-income individuals and families pay for the costs associated with
medical and long-term custodial care. Unlike Medicare, Medicaid has
strict eligibility requirements.

Monday, December 28, 2015

A General Durable Power Of Attorney is an estate planning
document that is meant to be in place for if you become incapacitated or
disabled and are no longer able to speak for yourself or carry on your
financial affairs. The durable nature of the power of the attorney comes
into play when a trusted person that you name in the document steps
into place for you to manage your assets and handle your affairs for you
until you recover or for the rest of your life. What happens if you do
not have this important document in place and you become disabled or
incapacitated and are no longer able to act on your own behalf?

If
you become incapacitated in most states without a General Durable Power
Of Attorney in place for yourself then the Probate Court in your county
steps in and decides who would be the person to handle your affairs
that would have named in your power of attorney if would have properly
made one. The probate court in your county of residence most likely must
appoint both a Guardian and Conservator for you. A Guardian is
appointed to look after your health and well-being and make decisions
that are in your best interest of your person. A Conservator is
appointed by the Probate Court to look after your money and make sure
that you are not being taken advantage of financially. The conservator
must file strict accounting reports with the Probate Court and will most
likely have to post a bond in case any money is mishandled. This
process can be extremely costly and drain your assets before you get to
enjoy them again after you regain capacity or pass them on to your loved
ones.

A General Durable Power Of Attorney eliminates the need to
appoint a Guardian and Conservator as a trusted person is named and
given the powers to carry out your needs if you become incapacitated.
This document allows you to be in control of your own affairs through
anther instead of the choice being out of your hands and made by a
government agency at a much greater cost of time and money. While it is
not pleasant to think of yourself being incapacitated at any point in
your life, it is a reality that most people do not die right away and go
through some period of disability. Protect yourself by planning ahead.

Evan Guthrie Law Firm is licensed to practice law throughout the
state of South Carolina. The Evan Guthrie Law Firm practices in the
areas of estate planning probate personal injury and divorce and family
law. For further information visit his website at http://www.ekglaw.com. Evan Guthrie Law Firm 164 Market Street Suite 362 Charleston SC 29401 843-926-3813

Sunday, December 27, 2015

Question: I just came back from my attorney with
my estate planning documents. One of my documents is a "living will,"
but I have no idea where to put it. How about putting it where it will
be safe, like in my bank's safe deposit box?

Answer:
Remember that a living will is only useful if it is found! You should
store your living will (also called an "advance healthcare directive")
where it will be found when it is truly needed.

If your family has
no idea where your living will is, the document is useless. If it is
never found, it is a legal document without any effect. It will never
serve any function. The purpose of having a living will in the first
place is to grant authority to your agent: Through that document your
agent is given the legal authority to make essential healthcare
decisions on your behalf. But if your agent cannot find the document,
he or she may never be able to make the decisions that you intend.

Where should you never store your living will? Here are some places to avoid, the first being exactly where you are thinking of putting it:

Your safe deposit box.
Sorry, but think again! If your agent does not have access to your
bank safe deposit box, obviously he or she may never be able to get the
living will in time so that it can be used.

Your home safe.
This is like placing your healthcare directives in the bank's vault.
If only you have the combination to the safe, then your agent will
probably never find it.

Giving it to someone unknown to your agent.
This is another way to "lose" your directives -- giving the living will
to someone other than your agent, without your agent's knowledge.
Again: If your agent has no idea where the living will is, then how can
he or she get it?

Giving the original to someone at odds with your agent.
Some of you may have intra-family turmoil. Obviously, never give your
living will with someone who often fights with or is at odds with your
designated agent. Remember: The purpose of the living will is to ensure
that your wishes are carried out. PERIOD. Your directives are not to
be used in a way to be "fair" to another family member, or for any
purpose other than ensuring that your wishes are followed.

Putting it where nobody would ever look.
This is a general category. Never place your living will in a secret
place, or in the middle of a "mess." It should be kept in a place known
to your agent, or otherwise where important papers are kept.

So
many people go to the expense of preparing a living will, but give
little thought as to where it should be kept. Even more important, they
place their living wills in entirely inappropriate places. Make sure
that your agent knows where you have stored your living will.

Disclaimer:
The information in this article is not legal advice, and the use of it
does not create an attorney-client relationship. Any liability that
might arise from your use or reliance on this article or any links from
this article is expressly disclaimed. This article is not to be acted
upon as if it were legal advice, and is subject to change without
notice, or may include obsolete or dated information, or information not
relevant to your jurisdiction. If you require legal services, you
should consult with an attorney.

As a licensed attorney located in the Los Angeles San Gabriel
Valley, Larry Stratton is in a position to coach and advise you, and to
help you plan for your future. The Law Offices of Larry D. Stratton
[http://www.strattonplanning.com] specializes in estate planning,
business formation and appellate practice. Larry Stratton also blogs on
estate and financial planning issues at Planner's Thoughts.Larry
Stratton is a graduate of Whittier College School of Law, which is a
member school of the ABA and the AALS. He has represented numerous
clients in the California Court of Appeal, and is admitted to practice
in all California courts, the Ninth Circuit Court of Appeals, the U.S.
Tax Court, and also the United States Supreme Court. From 1983 to 1984,
he was a member of the Whittier Law Review. Larry Stratton is also
a Registered Investment Advisor, and currently speaks on estate and
financial planning topics in Southern California.

Wednesday, December 23, 2015

Rene goes over how a divorce does not always need to involve a full legal team. He explains the process of how By The People can help file the paperwork necessary for the courts. See more at http://www.bythepeopleca.com

Sunday, December 20, 2015

Do you think you need a Power of Attorney? If you think so then
don't put it off and take any chances in the future. You need the time
now to think about whom you can truly trust and at this point in your
life you may find it hard to eliminate some of your closest family
members or dearest friends. Just consider this, you are now mentally
stable and it should be more simple to make those decisions now, than it
would be in the future when maybe you don't have all of your mental
powers with you. Now is the time to safeguard your future financial
affairs and secure your assets.

Most of us have the wrong
impression of Power of Attorney, we think that only the elderly need one
or people with large massive fortunes. Please don't be mislead, we all
should consider a Power of Attorney. You will have a form of peace of
mind knowing should something happen to you; you will be taken care of
legally. You want someone you can trust to look out for your matters.

The
vital importance of a Power of Attorney could best be demonstrated by
the fact if you should happen to contact a disabling disease which could
render you incapable of making your own decisions. Should you have to
be hospitalized, you want someone to pay your mortgage and take care of
your banking needs; you don't want to loose all that you have worked
hard for. A Power of Attorney can protect you legally with the local
laws.

The laws are very much in your favor should you ever become
incapable of taking care of your affairs. With a Power of Attorney in
force, the courts will then step in and use their discretion on who will
be in charge of all your affairs. The judge may appoint someone you do
not fully trust, so you want to have full control and that is why it is
so important to have a Power of Attorney.

So as a good suggestion,
the best time for a Power of Attorney is NOW! You want to be protected
now, you don't want to wait until it is to late and you don't have the
power to help yourself.
So having said that, for your sake, please consider looking into the Power of Attorney aspect for your life.

Check out more information on Power Of Attorney as well as look
as some of the legal forms and contracts that you may be considering
[http://power4atty.marketadsuccess.com/]

Saturday, December 19, 2015

A limited liability company, or LLC, is one of the most popular
business entities today but also one of the newest. An LLC is unique in
that it's a pass-through entity. The IRS does not consider an LLC a
legal separate entity in terms of taxation, so all business income,
losses, and expenses are "passed through" to individual owners to report
on their personal income tax returns.

By default, a single member
(or single owner) LLC is taxed as a sole proprietorship. An LLC with
more than one member is taxed as a partnership by default. There are
many tax advantages (as well as drawbacks) to forming an LLC instead of a
corporation.

Flexible Taxation

One of the biggest benefits
to forming an LLC is you can choose how you are taxed. This is one of
the lesser understood advantages of a limited liability company. When
you file your taxes, you can choose to file as a "disregarded entity"
and get the default tax treatment or you can choose corporate tax
treatment. If you choose the corporation taxation structure, your
business will be taxed at a much lower corporate rate on the first
$75,000 in income. Keep in mind an LLC's tax rate is completely
dependent on the owner's income. If you have higher income, you will
likely pay lower tax rates by choosing corporate treatment.

Lease Assets

With
a limited liability company, you can lease your personal assets to the
company. This means you can run your LLC from your home office and have
the LLC leasing the office from you. Doing so means you are creating a
business expense that you may be able to write off while improving your
personal financial situation. This is a tricky area, however, as the
expenses must be legitimate business expenses and you will need a formal
lease agreement in place.

No Double Taxation

Corporations
are subject to something known as double taxation, which means a
corporation first pays taxes at the corporate level then again on income
from dividends that are distributed to owners. LLC owners are not
subject to double taxation; business income is reported on your personal
income tax return and taxed once.

Tax Disadvantages

While
there are certainly tax benefits to an LLC, there are drawbacks as well.
LLC owners are required to pay taxes on their distributive share of the
company's profit, even if they do not receive the distribution because
the money stays with the business. Corporate owners are not required to
pay taxes on business profits unless the profits are distributed
(usually as dividends).

Finally, as an LLC owner, you will also be
required to pay self-employment taxes, even if you are a single member
LLC. Corporate owners who work as employees of the company, meanwhile,
only pay half of this tax amount on their salaries while the corporation
pays the rest.

Friday, December 18, 2015

Estate planning creates a plan for distribution of your assets
after you die. Most of us are familiar with a common product of estate
planning: the will. Featured in TV shows and in everyday conversations,
sometimes, the discussion surrounding this popular topic is not
favorable.

We've seen people contesting wills, challenging their
family members, feeling cheated by the administrators of wills and by
the law and we've seen them arguing through lawyers about what wills
mean how they should be executed. Other forms of estate planning exist
to reduce the amount of conflict surrounding decisions.

Health
care decisions can be included in estate planning; a health care proxy
exists so that a chosen person can act out the desires of an
incapacitated person still under medical care.

When it comes to
the distribution of their wealth and medical decisions, multiple
measures exist to enable the dead and the severely injured a means of
executing their own desires. However, even in the case where no formal
plans are made, heirs do receive some forethought in terms of the law.

The
law of intestacy communicates that even if no measures are taken to
distribute assets by a deceased party, those assets will still go to the
deceased person's heirs. The law of intestacy has the most staying
power in situations where it is least likely to be challenged by those
wanting more. For insurance, according to Attorney Sean W. Scott of
Virtual Law Office, this law works with a small number of assets and a
with a small number of heirs.

In each of these cases, one can
imagine there would be less conflict involved. With less to fight over,
less fights can ensue. The same is likely true with less beneficiaries;
as heirs likely know one another well when smaller in number, less
family tension can arise. Less instances of certain heirs feeling more
worthy than others to certain possessions may exist. The likelihood that
an individual or set of siblings would usurp others' belongings may be
reduced. And general confusion arising from miscommunication and a lack
of cemented durable relationships may possibly decrease with a smaller
set of heirs. None of these suggestions are set in stone, yet
corresponding data would be a more than interesting dinner topic.

Scott
emphasizes the financial advantages of estate planning, sharing that
taking certain precautions can save money for heirs receiving portions
of estates. As lawyers stay on the job, working to settle issues between
family members or between the state and family members, their tabs
continue running. Evaluating the multiple options may familiarize you
with the best decisions for your situation, reducing stress and
increasing savings for your loved ones after you pass.

Estate planning
businesses offer the best in financial services to their target markets
through use of digital content. Al Tinas, (C. Catchings), provides
high-quality content to estate planning experts as well as other business leaders.

Monday, December 14, 2015

California estate planning is essential for residents of the
Golden State. Basic strategies should encompass executing a last will
and testament; establishing a healthcare proxy; and designating power of
attorney rights. Dependent on estate value, establishing a trust can
further protect inheritance assets.

California estate planning
strategies must comply with state and federal laws. California has some
of the most complex probate laws in the country, so it is best to work
with a qualified estate planner or probate attorney.

Probate is
used within the US to settle estates that are not protected by a trust.
The process varies depending on if decedents engaged in estate planning
procedures prior to death. When individuals die without leaving a Will,
the estate settlement process requires additional time and exposes the
estate to a higher level of creditor claims or the potential for heirs
to contest the Will.

The last will and testament provides
directive as to how estate assets should be distributed. It is also used
to appoint a personal representative charged with duties required to
complete estate settlement process. Without these written directives,
the estate must be settled according to California probate code.

The
timeliness of estate settlement depends on various factors. One of the
most prevalent is estate value. In the state of California, estates
appraised with values of less than $100,000 are usually exempt from
probate if a legal Will has been executed and filed through court.

The
estate must undergo a 40-day waiting period to avoid probate.
Afterward, the personal representative must present a legal affidavit to
the court before distributing inheritance gifts to designated
beneficiaries.

When decedents do not leave a Will the estate is
required to undergo a probate proceeding to determine rightful heirs.
This is particularly important to understand if California residents do
not want to bequeath gifts to direct lineage relatives. In order to
disinherit relatives the Will must include a disinheritance clause which
states the reason why heirs are not entitled to estate assets.

The
purpose of including the disinheritance statement is to minimize risks
of heirs contesting the Will. It is not uncommon for disinherited
relatives to claim the decedent was under the influence of another
person or was of unsound mind.

Contesting a Will can freeze assets
in probate for months on end. This act can force personal
representatives to sell inheritance assets to cover legal expenses.
Defense fees can easily bankrupt small estates and leave nothing for
designated beneficiaries.

In addition to protecting assets,
California estate planning is the most effective strategy for
establishing healthcare proxies. This document allows individuals to
document the type of medical treatment they do or do not want to have if
they are incapable of making decisions due to illness or injury.
Healthcare proxies include 'Do Not Resuscitate' (DNR) orders, as well as
providing directives regarding life support and delivery of nutritional
intravenous feedings.

Estate planning is also used to grant Power
of Attorney rights. POA is an important decision that should not be
taken lightly. The person granted with POA powers should be someone who
can be trusted to make smart financial decisions, and make difficult
decisions on your behalf if you become incapacitated.

Establishing
California estate planning strategies is one of the best gifts to leave
loved ones. Without written directives, decisions surrounding your
estate will be left to the courts and chances are they won't be what you
would have wanted. Additionally, putting affairs in order can reduce
family discord and allow for efficient distribution of inheritance
gifts.

Simon Volkov is a California probate liquidator and real estate
investor who specializes in buying and selling probate properties. He
shares insights about California estate planning and shares resources for learning how to avoid probate and protect inheritance assets at www.SimonVolkov.com.

Sunday, December 13, 2015

Drafting a last will and testament is something we only hope to
do one time. Creating a document that specifies our wishes after our
deaths can cause some anxiety in that we are reminded of our mortality,
but more than that making changes to a will can cause headaches if not
done correctly. You also risk voiding your will under certain
circumstances. In order to keep your friends and loved ones from
inheriting any headaches along with your estate, it is important to know
exactly what events can void your will.

If your will is judged
void after your death, it opens the door to any number of disputes
between family and friends as they argue over dispersing your assets.
Charities you wished to benefit from your generosity may not receive the
funds you set aside for them, and even your burial plans may be
altered. It is important, therefore, to make sure you following
everything to the letter. Here are a few situations that could lead to
voiding your will.

1) You make unauthorized changes. When you
complete a will, it is typically signed and witnessed, and notarized. If
you make written additions or deletions anytime after that period,
somebody could contest the validity of the will and cause problems. If
you want to make corrections after the legalities are complete, you can
either destroy the current will and start over, or draft a codicil to
accompany the will you current have.

2) You were not of sound mind
when you wrote the will. Some people may be pressured or heavily
encouraged to draft a document in order to bring peace of mind for your
family. However, a will written under duress or other influence could be
proven invalid if somebody believes you were not of sound mind at the
time. You want to make it perfectly clear that your wishes are your own,
and that you have not been forced to write anything you didn't want to
write.

3) Changes in marital status. Depending on the laws in your
state, a will drafted before a legal marriage or divorce could allow a
party to contest your will if you do not have it changed. If you have a
will ready and decide to marry or remarry, speak with your attorney
about what needs to be done to ensure your wishes are kept intact.

Take care to know what factors could render your last will and testament void.

Saturday, December 12, 2015

Living wills and advance directives have lately become the hot
topic of discussion with the case of the brain-dead pregnant women in
Texas going to the courts to decide. While her individual rights versus
Texas state law makes for a heated debate, the real question for most
Americans and Canadians should be 'What happens if you don't have a
living will and the unthinkable happens?'

Every year, thousands of
people have an unfortunate accident that leaves them in an
incapacitated state. This is where a living will comes into play. A
living will, which can also be known as an advance health care directive
or advance directive, is a set of instructions given by you, allowing
for what types of medical intervention and treatment you would like to
receive, if you are in a state of mind where you cannot make decisions
for yourself. If you don't have a living will, you leave these decisions
to someone else. So, there by itself, is the number one reason for
having a living will. Now let's break down the other 4 major reasons why
you should have a living will:

2. Avoid Family Fighting. Imagine
what not having a living will could do to your family. If you haven't
made the medical decisions that are usually addressed in a living will,
depending on your state or province, often times it is left up to your
family to make these pain staking decisions for you. Imagine your spouse
having to decide whether or not to keep you on life support. Now
imagine your mother, or brother, disagreeing with their decision. The
emotional toll this can take on a family could be devastating. The case
of Terri Schvaio often comes to mind. Back in 1990 she collapsed and
fell into a coma for more than two months, and then was declared to be
in a vegetative state. Years later, her husband made the decision,
against her parents' wishes, to have her removed from a feeding tube.
The argument went on for seven years. You can imagine the emotional toll
your family would suffer in a similar situation.

3. The Medical
Costs. In some cases when a person is incapacitated, the prolonged
period of keeping a patient alive can outlast the medical insurance,
leaving the extra costs to be paid by the patient's estate. Many times,
when the decision is made by the spouse, or other family member, to
artificially extend one's life, the medical costs involved can cause an
extreme financial burden. It is not unheard of for families to end up
losing everything because of this. If you were incapacitated, could you
imagine your family losing their home, or possibly facing medical
bankruptcy?

4. The Legal Costs. All it takes is for two family
members to disagree and here comes the lawyers. This happens in many
cases, like Terri Schvaio's, where lawyers for the disagreeing parties
spend weeks, months, and even years, arguing for their side, all the
while the costs are adding up. And eventually someone will have to pay
those bills. Imagine the life insurance you left to protect your family,
ending up in the hands of attorneys, all because no one knew what your
wishes were. These situations happen all too often. You having a living
will can avoid a catastrophe like this.

5. Peace of Mind. Simply
put, when you have a living will, you are more likely to have the peace
of mind of knowing that your wishes will be known, and that family
members won't have to fret over whether or not they made the right
decision. It is perhaps one of the most responsible, unselfish acts you
can take by keeping the heart wrenching decisions out of the hands of
your loved ones. If the unthinkable were to happen to you, there would
be no reason to compound your family's suffering.

Now that you
have the five major reasons to get your living will, you have to decide
what to include in it. There are many points to consider, like if you
should appoint a medical power of attorney (POA), where you would
designate someone you trust to make decisions that may not have been
covered in your living will, or adding a 'do not resuscitate' directive.
These are some of the many items you will want to discuss with your
family. Also consult your attorney for advice on your state's laws when
drafting a living will.

I heard it said that having a will is like
writing a final love letter to your loved ones to assure they get
everything you want them to have. When you think of it in these terms, a
living will would be an extension of that love letter, preventing
unnecessary pain and hardships for your family, just in case you were to
experience an incapacitated state for any length of time.

Gerard Cassagnol is a professional writer and has written several
articles on legal issues of the day. He is an advocate for affordable
legal representation and coverage in the USA and Canada. He has had a
legal plan membership for over 15 years, and is now a marketer of legal
plans and identity theft plans for individuals, families, and small
businesses.For more information about Individual and Family Legal Protection, please go to FREE Insider Report on Legal Protection

Friday, December 11, 2015

It is a sad truth that death is an inevitable part of life. And,
even though many of us are reluctant to face this fact, it is no excuse
to fail to plan for your end-of-life healthcare, particularly if you are
past retirement age. Although it may be scary to think about your
end-of-life decisions, it can greatly improve the quality of life for
your family after you are gone, and will reduce the chance your passing
is a burden on your family. Advanced directives offer you the assurance
that your last wishes will be fulfilled. Here are four things to know
about them.

1. What is an Advanced Health Care Directive?

An
advanced directive is a generic term for a legal document that
describes to and instructs others about your medical care, in the event
you are unable to make your decisions known. A directive only becomes
effective under circumstances described in the document, but in general
allow you to do two things. The first is to appoint a health care agent
or power of attorney. This person will make decisions on your behalf.
Secondly, the directive will provide instructions about exactly what
forms of health care you want and do not want.

2. Why Are Advanced Directives Important?

According
to recent surveys, the majority of people would prefer to die in their
own homes. However, many terminally-ill patients meet the end of their
life while in the hospital, typically while receiving ineffective
treatments that they may or may not really want. Occasionally, this
confusion can cause conflict between the surviving members of the
family, leading to fights and arguments. Meanwhile, the dying person's
thoughts and wishes remain unexpressed. An advanced care directive
prevents all of this. From documenting the treatments you want, to
describing your wishes for your remains and personal effects, advanced
care planning is highly beneficial.

3. Creating an Advanced Care Directive

An
advanced care directive and living will does not have to be
complicated, however the content may be complex and should be considered
carefully. In general, it will consist of short, simple statements
about what types of treatments you would accept or deny, given
particular circumstances where you are unable to speak for yourself. It
is important to create this document with the help and guidance of your
family, legal, health, and financial professionals for maximum
effectiveness.

4. Talking With Your Loved Ones About Your Choices

A
vital step in advanced care planning is to clearly communicate your
wishes to your loved ones and family about your decisions, and why you
are making them. For most of us, this conversation can seem like a
daunting task. You may be uncomfortable bringing up your own death with
your loved ones, or it may seem like poor timing to have that
conversation, but it is much better to have this conversation now,
before there's a problem, so that everyone can remain calm and relaxed.

For more information on how you can best prepare for the last stages of life with an advanced directives, then head over to GRMedCenter.com now!

Thursday, December 10, 2015

Are BY THE PEOPLE Personnel attorneys? No, we are not attorneys. We are Legal Document Assistants. In California, we are a licensed and bonded profession.

What if I need legal advise?
You can always consult with an attorney of your choice. We can provide
you with a referral for an excellent local attorney who specializes in
cases similar to yours if you have questions we cannot answer for you,
or your situation is more complicated than our services are meant to
help with.

Do you have a Notary Public?
Yes, whenever we are open we have a Notary Public on staff. If you are
a BY THE PEOPLE customer, all Notarizations of your documents are
included in our fees. If you have documents not prepared by BY THE
PEOPLE, we charge $10.00 per signature you need notarized, in Cash Only.
You must sign the document in our presence and provide valid photo
identification.

Does BY THE PEOPLE handle Criminal Matters?
No, we only handle uncontested civil matters. However, if you would
like to contact us, we may be able to refer an excellent local attorney
to you.

I need to have my documents prepared immediately. Do you have Rush or Same-Day document preparation services?
Yes, we can prepare certain documents within a few hours, if necessary.
Rush and Same-Day services are available for the following documents:
Wills, Powers of Attorney, Health Care Directives, Deeds, LLC and
Incorporation Articles. A modest Rush Fees will apply to these services.

How long will it take to prepare my documents?
The documents we prepare at BY THE PEOPLE are typed specifically at
your direction. All documents are then rigorously proofed to ensure you
receive the highest quality legal documents available anywhere. Most of
our documents are prepared and ready for you to sign within one week,
depending on your situation.

Wednesday, December 9, 2015

Planning how your estate shall be divided, distributed and
disposed of doesn't only mean creating a last will and testament or
putting up a trust for someone. Estate planning also means preparing for
the unexpected, such as falling ill to an incurable disease or becoming
incapacitated later in life. In this regard, you'll need the help of
someone you completely trust to put your affairs in order even when
you're no longer able to make those important decisions or even
communicate your wishes. Drafting durable powers of attorney gives this
person you appointed the legal means to sign documents, make decisions,
and represent you in court.

The Medical Power of Attorney and The Living Will

Actually,
the functions of a medical power of attorney play in tandem to the
directives of a living will. They're both health care directives, but
the durable power of attorney for health care focuses solely on
assigning someone the legal duty to make decisions related to your
illness or health condition. It needs a living will, which contains your
instructions and wishes, including end-of-life decisions. Once you've
lost the capacity to think or act on your own, such as when you've
fallen into a coma, this durable power of attorney takes effect and
hands over the responsibility for your personal health and well-being to
your agent or attorney-in-fact.

You'll have tighter control over
managing your living will, estate planning, and health care directives
when you specify that these shall only take effect after a physician has
confirmed that you lacked the mental and physical capacity. In this
case, you have a springing durable power attorney in hand. The term
capacity here legally pertains to a person's lack of understanding of
the nature of his medical condition, the health care options open to
him, and the possible consequences from making these choices. In
addition, that person also loses the ability to speak out or make hand
gestures to relay his personal preferences for medical care. This is
where a health care declaration becomes an invaluable document in your
estate planning.

The Financial Power of Attorney

Through
a durable financial power attorney, you give another person - someone
you fully trust to act in your best interests - the legal authority to
act on your behalf. However, this power attorney for finances doesn't
hand over absolute authority to your proxy. You may limit or extend your
agent's legal access to your financial accounts. Generally, your
financial surrogate can file and pay your taxes, manage your business,
handle financial transactions in your name, access your bank accounts,
claim an inheritance, collect Social Security and other benefits, and
make use of your assets and properties to pay off debts and provide for
your family's daily expenses.

These two powers of attorney must be
specified as durable when filed. Otherwise, they won't take effect once
you were found lacking capacity to think and act for your well-being. A
divorce ends both documents when the agent is also the spouse. The
court may revoke an agent's authority under a power of attorney for
health care when it finds that the agent has acted improperly. A second
person named in the document takes over as an alternate agent.

Toby King is a legal consultant and associate, working for a
prestigious law firm in Sydney. He provides expert advice on family law,
de facto relationships, and financial agreements. Find out more info on wills estate planning at ClinchLongLetherbarrow online.

Monday, December 7, 2015

Have you made your will official yet? It is not pleasant to talk
about, but death will inevitably take us all at some point in our lives.
Having an officially recognized will ensures that your estate goes to
the people that you want it to when you pass away. The simplest
definition of probate is 'the official proving of a will'. The laws of
probate can be overwhelming at times, especially when emotions are still
raw. It does serve its purpose however as not having a will (in-estate)
makes the procedures a lot trickier and the results which can take
months may not be what stakeholders deem right.

When a will is
filed with the courts, the process for probate varies from country to
country, even city to city. However the basic process is someone close
to the deceased approaches the courts to act as 'executor', once the
executor is established the process starts by collecting all assets and
getting a value for the total. Once debts have been paid, the remaining
assets can be distributed as per the will before the probate process is
formally closed.

The Executioner

The executioner is usually the closest person to the deceased (wife, daughter, father etc.) or a close friend.

Probate affects you today in two ways. As someone who files a will and as a person nominated to be the executioner of a will.

Writing Your Will

Writing
a will may seem like a death wish, it is something no one wants to ever
think about however there is an incentive. You likely have worked hard
for what you have acquired in life and would like your estate to be
distributed as you see fit according to your values and wishes. It is
also to protect your family, pre nuptial agreements may appear to only
be agreed to when a high profile celebrity gets married, or someone
wealthy but they are doing it for the same reasons as a will. The
subject of money makes people act in irrational ways to protect
themselves. Family members may lay claim that they should get
everything, while others believe it should be theirs. It is not a nice
situation for all involved. By writing your will now, you ensure that
these disagreements can be solved by simply reading your official legal
will.

As The Executioner

As the writer of
the will, you will normally want to tell the person who you are leaving
in charge of your estate should tragedy strike. It isn't the easiest
conversation to begin, but knowing you have someone you trust can put
your mind at ease. When someone brings up the subject with you, there is
no set way to react. Simply listening to their requests is best, do not
try and influence them either way. If you are unsure of anything
though, do ask. Documenting everything possible is the safest option as
emotions may get in the way of what was truly requested. In a perfect
world there will be many, many years to you put everything in place
exactly the way you wish. Make it a common practice to revisit the will
every couple of years, to verify that it fits how you feel at that time.

Probate
is something most people will deal with from both sides as the
executioner and the writer of the will in their lifetime. Having a will
ready so that the probate law process can be handled appropriately by
all parties is law that should be taken seriously.

Sunday, December 6, 2015

Tammy and Rene Bojorquez have owned "By The People" for ten years. (Aaron Rosenblatt/Daily Republic)

FAIRFIELD — For the past 10 years, By the People has been helping customers navigate the paperwork of uncontested legal matters.

Tammy and Rene Bojorquez, owners of By the People, began their company as a franchise of We the People.

“It was five years ago the company broke up and we went with our name
because it was similar to what we had before,” Tammy Bojorquez said.

She describes the work they do as being similar to a paralegal’s job.

“We are a self-help service for a lot less than a lawyer would
charge,” she said. “We can help you fill out the paperwork, and file
with the courts.”

The company works with people on issues such as uncontested divorce or separation. For
couples who can resolve their own asset and debt division or child
issues, the company can prepare all of the necessary documents to get
the divorce. They also do all of the filing and procedural
work throughout the process.

“If a couple agrees on the division of property and assets, they may not even have to go to court,” Bojorquez said.

Other examples of the work they do is creating an incorporated
company. They can create a company’s articles of incorporation and
submit them to the Secretary of State. They can also help set up bylaws,
minutes, seals and shares.

By the People can help with creating a living trust, which includes
articles of trust, wills, financial powers of attorney, California
advanced health care directives and health care privacy releases.

“We did a family trust for my father and it was expensive and very
hard to understand,” Terry Thompson, a client of By the People, said.
“When my husband died, I had By the People do a new living trust for me.
It was easier to read and they were great.”

Thompson, 80, of Suisun City, said she was so pleased with their work
and her treatment that she considers Rene and Tammy friends and likes
to stop in when she is in town.

By the People also helps prepare paperwork for probate.

“We can help by preparing the
documents needed, filing the paperwork with the court, setting court
dates, arranging for publication, and many other steps needed to
complete the process,” Bojorquez said.

She and her husband are so involved in serving others that the time has flown by.

“I just can’t believe we have been doing this for 10 years,” Bojorquez said. “It seems like just yesterday we started.”

Saturday, December 5, 2015

All our lives we work hard to ensure that our family never has to
face a difficult time ever but we promptly forget all about them at the
end. We are talking about preparing wills or last testaments that
people almost always don't prepare or unnecessarily delay due to a
psychological block. The psychological block is our inherent fear of
death which is aggravated during the making of a will. The preparation
of a will is almost an indication of our own mortality and that is
something none of us want to accept.

But whether we accept it or
not, our mortality is the only truth and we must keep the responsibility
of taking care of our family with us. A will could save our family from
a host of troubles out of which some could be huge hassles that will
need a lot of time and resources to solve. Say for example, the most
common form of trouble that comes from the non preparation of a will is
property disputes. Normal property disputes could siphon off huge
amounts of time and resources. Plus there is no guarantee that the
problem will be solved within a stipulated time. Property disputes are
known to stretch for years and some even extend till the death of the
supposed beneficiary. This means there are chances that your family
might never get to enjoy the property that rightfully belongs to them.

Does
that statement depress you? But that's simply the beginning as there
will be more and more problems associated with non-existence of a will.

The
next problem that could occur is the proper division of the property
and in case of common ownership of a property- the lack of a trust fund.
These are legal wrangles that could again put pressure on your family
or dear one's resources.

Making a will is the best form of
property management as the methods of division are expressly mentioned
in the will. Without the existence of a will there are chances that the
beneficiaries or dependents will have a tough fight in their hands to
ensure their right on the property. Then there are properties which have
common ownership and for those you need to create a trust fund. But
that's again not possible without the presence of a will or testament.

Make a will
immediately as this will not only guarantee the peace and security of
your loved ones but also give you the strength to accept your own
impending mortality.

Making a last will or testament is no easy task but Willjini can help you in doing so. How to make a will.

Tuesday, December 1, 2015

When there are minor children, a Will should always be used to name a guardian(s) of their persons and property.
This guardian is who will be taking care of them in your absence and
will also have control over their finances, both from you and for their
well being. This guardian that you appoint, needless to say, is someone
that you must be able to trust completely with your children and someone
who will make sure that they are cared for in the way that you have
planned. This person "can" of course be someone other than your X.

Alternate
guardians should also be named in the even that the original guardian
is for whatever reason unable to assume responsibility. Naming of
guardians and alternates should not be done any other way but in a Will.
This will relieve any hint of confusion after you are not able to take
care of your kids yourself. Of course, if there is a surviving parent
that person will be automatically named guardian if living in the same
household; but, if your will specifies a different person to control the
money, then this can fit your goals quite nicely.

This situation
can and often gets tricky in divorce cases. Since you are divorced, the
parent with legal custody of the child(ren) should designate a guardian.
If you are the legal guardian, then you have the authority to designate
who will care for your children after you die. Understand, however, that if somebody besides the other biological parent is named, this decision might not be binding.

When
a custodial parent dies, the non-custodial parent always has priority
in seeking guardianship and custody, unless that person is deemed unfit
to perform the duties necessary or is unsafe to leave with children. If
you are set against your "X" getting custody of your children if you
were to die, you need to make sure that you or your appointed guardian
will be able to prove that your "X" is unfit or unable to perform the
job.

However, be aware that the court will probably have
to approve who you have proposed to be the legal guardian eventually
even if named in your Will. The purpose of your Will in this
regard, though, is to guide the court in its judgment. It will also help
avoid family arguments over who is better qualified to raise your
children and will give the person you choose the authority over all
others.

Dennis Gac is widely known as "The World's premier fathers rights
Consultant!" But why would you care? Well, I'll tell you if you rush
over to his site... I think you'll come to your own conclusion that he
"IS" the real deal! Experience someone who works and thinks outside the
box for you! Read what others have to say at http://www.fathershelphotline.com.

Sunday, November 29, 2015

Divorce is stressful period of transition and change for most
people. While there many things on which you will need expend your
attention during this challenging time, you should not forget that your
estate plan also requires addressing now that you've experienced this
life change.

One of the first things you will want to do is update
your will. Generally, your will names your spouse by name, so if you
die and your will leaves a sizable inheritance to "John Doe" or "Jane
Doe," then your executor (or the trustee of your trust) and the courts
will be obliged to follow this instruction, even if this person is your
ex-spouse. For many people, such an outcome might be especially
frustrating and painful, so you should deal with updating your will
promptly.

You will also need to go through any asset or account
that has a death beneficiary destination on it to remove your ex. Recent
court cases have ruled that, even if you divorce your ex and update
your will, your ex will still receive the money from your life insurance
or retirement account if you do not update the paperwork on those
accounts. The single determining factor regarding who gets your
transfer-on-death or pay-on-death accounts is the name on that account's
death beneficiary designation form, so it is vital that you make sure
you update each of these accounts.

Additionally, you'll want to
tend to your powers of attorney and living will. Chances are, you do not
want your ex managing your financial affairs or making healthcare
decisions (including end-of-life decisions) for you after you're
divorced. Executing new powers of attorney and a new living will is
often a relative quick and straightforward process.

If you have a
living trust, you should investigate updating this part of your estate
plan, as well. For many people, their spouses may not only be
beneficiaries of their trusts, but trustees, as well. A capable estate
planning attorney can assist you with making the changes your trust
needs to address your divorce.

Finally, you do not have to wait
until your divorce is finalized in order to begin updating your estate
plan. Even if you anticipate that your divorce may take several months
or years to complete, you can (and should) start working on updating
your estate plan right away. Keep in mind, though, that the law in every
state says that you cannot disinherit your spouse so, even if your
preference is to leave your ex nothing, you will not be able to make
that happen until the divorce is final.

This article was written by Rich Lynn, Author for UPG America and
is intended for general information purposes only. Some information may
not apply to your situation. It does not, nor is it intended, to
constitute legal advice. For more information about this and other
estate planning matters, including additional estate planning related
articles, visit our website at http://www.upgamerica.com. You may also find out more about the Legacy Assurance Plan, an estate planning assistance service offered by UPG America, at http://www.legacyassuranceplan.com.

Saturday, November 28, 2015

There are no hard and fast rules as to what is the best way to
structure a business, and naturally, the decision will be based on your
own individual circumstances. But there are certain pros and cons to
each business structure that you should be aware of, as there are
certain rules that regulate the way business may be conducted in the U.
S.

Strategy - Consider converting your business to a Limited Liability Company to avoid personal exposure to business liability.

Sole Proprietorship and Partnerships do not offer owner(s) protection from business debts, whereas Corporations do.

For
this reason alone, you should consider forming your business entity as a
Corporation - to provide the owner(s) "1st Level" protection from
business creditors. Of course, this only applies to debt that has not
been "personally guaranteed" by any business owners.

This same
level of protection can also be accomplished, without incorporation,
using a "Limited Liability Company" (LLC). A "Limited Liability Company"
is taxed as a partnership form of organization-using a Form 1065, (or
as a corporation, using a Corporate Tax form) and issuing K-l (Form
1065) Schedules to each owner.

This is the newest method of
structuring a business and is a fairly recent innovation. An LLC is like
a Sole Proprietorship; however it provides the same protection from
liabilities as that of a "C" or "S" corporation. In fact, this structure
allows you to elect to be treated as a corporation without having to
deal with the formalities of a corporation.

If there is only one
owner, you can file and be taxed as a Sole Proprietorship. If there are
two or more owners, you will be taxed as a partnership.

Here's why you may want to consider using the LLC form of business organization.

Advantages

· Limits liability just like a regular corporation.

· One person can own the LLC, which eliminates the need to file a separate tax return.

· Other entities such as a C Corp, trust, or partnership can own an LLC.

· Does not require the formal meetings and documentation of a "C" or "S" corporation.

· Tax filing and other paper work is simple and inexpensive.

·
You can claim all the same tax advantages of Sole
Proprietorship and partnerships.You don't have to hold shareholder
meetings or keep meeting notes.

· Management control need not be proportional to ownership.

The advantages of a "Limited Liability Company" over an "S" Corporation form of business organization are as follows:

· An "LLC" is not limited to 100 owners;

· An "LLC" allows foreign individuals to be owners, and

· An "LLC" cannot have its status revoked if it engages in real estate activities.

Disadvantages

·
The major disadvantage of an LLC is that it does not provide a
FICA tax break like an "S Corporation" does (except in the case of
hiring a spouse or children... their salary is not subject to FICA taxes
if they are under the age 18).

· The laws which govern an
LLC are not uniformly written among the states. Because there is no
uniformity between states with regard to the tax treatment of an "LLC",
there may exist some potential for exposure to additional liability at
your local and/or state level.

Under a "Limited Liability Company"
its owners are not called owners or partners, but rather are referred
to as "members." Each member enjoys an upper limit on their own personal
liability potential in an amount equal to the dollars they personally
invested in the "LLC"-just like the liability protection afforded "S"
Corporation shareholders.

One final thought on multiple ownerships
within partnerships, LLC's or corporations. What happens if you and one
other owner in your business do not get along? Bad relationships have
resulted in some of the most expensive and protracted legal battles
around. This kind of business contention is as bad as a divorce.

Thus, take the following advice:

If
you incorporate or structure your business as an LLC and have multiple
owners, always set up a "buy-sell" agreement at the launch of your
business. This will eliminate a lot of problems you could encounter
later. Think of "buy-sell" arrangements as some sort of business
prenuptial agreement.

As I have already noted, the way you
formally structure your business can protect you from liabilities and
save you thousands of tax dollars depending on your personal
circumstances. I strongly recommend that you seek out the professional
help of your accountant or attorney in order to sort out the issues with
each of these entities.

Monday, November 23, 2015

You
may be asking yourself whether you can really afford to do the
effective estate planning that you know needs to be done. That's not the
question to ask. The real question is whether you and your family can
afford to be without the protection and security that the right planning
provides.

Would you drive without car insurance? How would you feel without the protection that liability and property coverage offers??

Would you leave your home uninsured?

Would you go without health insurance, knowing that any major medical bills could wipe you out?
In
the case of the car, home, and health insurance, you're protecting
against the possibility of something happening. If an insured event
occurs, then your insurance will cover you, and the premiums you paid
for the insurance will be more than worth it.

Estate planning is
protecting against the possibility that you might become incapacitated
during your lifetime, and the certainty that you will pass away one day.

So what protection and security does the right kind of planning provide?Protecting You if You Become Incapacitated.
If you become incapacitated and need help managing your financial
affairs and your medical care, the people you want helping you will need
the proper legal documents in order to have the authority to act for
you.Protecting Your Loved Ones. The right kind of estate planning will protect your loved ones from any of the following:

Creditors - whether they have creditor problems now, or some that arise in the future.

Predators - people who would take advantage of them after they receive an inheritance from you.

Loss of Benefits - if you have a loved one with Special Needs, then having the right plan will protect their continuing benefits.

Family Feuds - Unfortunately, when your planning is
not done correctly, horrible feuds can arise between family members,
even among siblings who previously got along.

Divorce Loss - if one of your loved ones got
divorced, would you want their ex-spouse to receive half of their
inheritance? Without proper planning, that can happen.

Blended Families - in families where there are
children from other marriages, then the right estate planning will
protect against one side of the family being inadvertently disinherited.

Protecting Your Assets. The right
planning will protect your assets from unnecessary expenses, and the
potential for loss from creditors or a nursing home spend-down.

Probate Expense - If your estate goes through
Probate, then your family will pay a much higher cost to administer your
estate. The attorney fee to pay in Probate is calculated as a
percentage of your assets, starting as high as 4.5%. For example, in
Lucas County, the attorney fee for probating a $400,000 estate (gross
value) would be $15,000. With the right planning, that cost could be
significantly reduced, resulting in savings of up to $11,000!

Creditors or Long Term Care Spend Down. If you're
concerned about the potential for losing your savings to a nursing home,
and if long term care insurance is not an option for you, then the
right kind of estate planning can help protect a large portion of your
assets and preserve them for your loved ones.

Whether or not your current estate planning is
appropriate for your current needs and goals is something you need to be
concerned about. In our office, we offer a no-cost and no-obligation
initial consultation. We meet with you to determine whether your current
planning is appropriate for your needs and goals, and make
recommendations for any changes that may be required. Call our office to schedule an appointment with one of our estate planning attorneys, or visit our website (http://www.chamberlain-law.net) to learn more about our services and how effective estate planning can benefit you and your loved ones.